Childminder Insurance

Trusted by childminders for over 50 years

A photograph of children playing tug of war.

To place an order for childminder contracts or stationery which were previously sold in our online shop, please call our friendly team on 0330 058 9861.

Specialist insurance protection for childminders

As one of the market leaders and longest-serving insurance broker in your sector, you can trust us to deliver insurance protection designed to really work for you, your business and the children in your care.

Established in 1964, we pride ourselves on delivering high-quality insurance, risk management and service solutions tailored specifically for the childcare and education sectors. We are committed in supporting our policyholders and provide key information to help you make informed decisions regarding your insurance options.

New Customer

If you're a new customer, then we can point you in the right direction.

Existing Customer

If you are an existing policy holder, we are here to help.

Is this the right policy for me?

We understand your business will often have a variety of specialised needs. Our childminder insurance policy is specifically designed for registered childminders working in the UK.

Childminder insurance - registered childminder with children.

What makes us different?

Our knowledge, expertise and longevity within the sector enables us to provide you with flexible cover and additional benefits to help you run your business including:

  • a dedicated, expert team trained to understand the challenges you face every day.
  • access to over 60 RoSPA-accredited or CPD-certified online training courses from award-winning flick learning.
  • training and discounts through our exclusive ChildCare Club.
  • access to an exclusive discount portal offering a wide range of retail discounts from well-known high street stores, which can be passed on to your family.

*Morton Michel ChildCare Club Benefits, flick learning, and the Employee Benefits Hub do not form part of the FCA regulated products. These are provided as an additional service.

Decorative image - childminding insurance

What's covered?

Based on our extensive experience within the sector, and by regularly reviewing the marketplace, we continuously track the development and requirements of the industry to ensure this is reflected in the cover provided by our childminder insurance policy.

  • Temporary suspension of registration
  • Public liability
  • Professional indemnity
  • Employer's liability insurance
  • Loss of revenue
  • Legal expenses
  • Childminder contents

For an additional cost, there are extra sections you can choose to add when purchasing your insurance.

  • Personal accident cover

You can view our policy summary guide for details of the significant policy benefits, conditions and limits. Full terms and conditions can be found in the policy wording.

A group of children skipping in the sunshine.

How much does childminder insurance cost?

Childminder insurance premiums start from £59.50 per year (including Insurance Premium Tax at the prevailing rate and a Morton Michel fee of £1)
You can also choose to pay in monthly instalments of £6.55 per month (including Insurance Premium Tax at the prevailing rate and a Morton Michel fee of £1)

The monthly interest rate is 10% (equivalent APR of 19.5%), payable over 10 monthly instalments. The total amount payable is £65.50 and cost of credit is £6.

The above premiums are based on a standard childminder policy. Extra covers are available at an additional cost.

We use Premium Credit Limited, who are authorised and regulated by the Financial Conduct Authority, to provide finance exclusively and Morton Michel are acting as the credit broker. We may receive a commission for introducing customers to them.

Morton Michel Added Benefits for Childminding

In addition to the standard cover you would expect, we offer a range of value-added benefits to support you, your business and your family:

A licence to access over 60 RoSPA accredited or CPD-certified online training courses from award-winning flick learning.

For all policyholders, we offer free access to a wide range of market-leading retail discounts for you and your family.

You will receive automatic entry to our ChildCare Club; a hub of additional discounts and benefits designed to support you and your business.

ARAG provides expert advice 24 hours a day, 7 days a week on business-related legal matters including employment law and disputes.  Agreement to be confirmed prior to taking action. 

Providing access to 100's of legal documents (with smart document building feature) to assist with running your business.

Access a confidential mental health counselling helpline through ARAG, operated by trained counsellors 24 hours a day, 7 days a week.

Your query will be dealt with by a qualified specialist experienced in handling tax-related matters. This service is available Monday to Friday from 9am - 5pm.

Morton Michel ChildCare Club benefits including flick Learning and the Employee Benefits Hub do not form part of the FCA regulated products. These are provided as additional services.

Some of your most frequently asked questions

All childminders need appropriate insurance, both to comply with obligations set by regulators and local authorities and to protect their businesses. Morton Michel's Childminder policy has been designed to meet childminders insurance needs, including Public Liability, professional indemnity and legal expenses insurance, as well as childminder contents, temporary loss of registration and loss of revenue cover. You can obtain a quote here.

Childminders who want to take children in their car should ensure their motor insurance will allow them to do so. Morton Michel offers a specialist motor insurance policy for childminders. You can find out more here.

As a childminder you can make your own arrangements with your customers regarding holiday pay. Morton Michel childminders can make use of ARAG's legal support helpline if you are concerned about what your customers' contractual obligations are.

Morton Michel's childminder policy is available from £59.50 per year for a single childminder in England.

All childminders need appropriate insurance, both to comply with obligations set by regulators and local authorities and to protect their businesses. Morton Michel's Childminder policy has been designed to meet childminders insurance needs, including Public Liability, professional indemnity and legal expenses insurance, as well as childminder contents, temporary loss of registration and loss of revenue cover. You can obtain a quote here.

Morton Michel's childminder policy is available from £59.50 per year for a single childminder in England.

A childminder is a person who provides regulated childcare to children in their own home. Childcarers who look after children in the child's home are known as nannies.

Generally yes, provided it meets the relevant safety requirements such as appropriate floorspace, but you will require your landlord's permission and may need to amend your lease. If you are insured with Morton Michel, you can make use of ARAG's legal support helpline for further advice.

In England Childminders can work alone or with up to two other childminders or assistants. Those who want to work together in larger numbers need to register with Ofsted as a Childcare on Domestic Premises provider. In Scotland, Wales and Northern Ireland, different rules apply and your local authority may require planning permission to work with another childminder.

Yes, childminders have to be registered with their country's childcare regulator. In England Childminders can also register with a childminder agency.

Most childminders are sole traders but some choose to incorporate as limited partnerships. Occasionally more than one childminder might work together as a partnership.

It is important that childminders keep their training up to date. Your local authority can tell you have often it should take place but it is commonly expected to be between every one to three years. Morton Michel childminders have access to FREE accredited safeguarding training from Flick learning.

Morton Michel childminders have FREE access to CPD accredited online training from Flick learning that they can take at their own pace, taking as much time as needed.

A professional indemnity policy protects you against claims that you gave negligent advice. Morton Michel's Childminder policy offers up to £100,000 professional indemnity cover as standard.

All insurance policies have exclusions. To find out exactly what Morton Michel's Childminder Policy covers, you can download the full policy wording here.

Many local authorities now require childcare providers to take out professional indemnity insurance. Contact your local authority to find out what the requirements are in your area.

All regulated childcare providers in the UK are required to take out Public Liability insurance. Morton Michel's Childminder policy offers an indemnity limit of up to £10 million as standard. You can obtain a quote here.

The number of children a childminder can look after is set by their regulator and generally depends on the ages of the children and how many staff are present.

Families are entitled to come to their own arrangements for childcare, however, government funding can carry restrictions that mean childminders cannot always claim for looking after a close relative's children. All Morton Michel childminders have access to ARAG's free legal advice line, who can assist with interpreting how regulations apply to their circumstances.

There are many qualifications that potential childminders can undertake. Your country's regulator will have published the requirements that apply to you.

Government funding schemes are often available for childminders who want to offer these to their parents. The requirements can change however and you should check with your local authority what is available to you.

Depending on where you live, you will need to register with your local regulator, or in England, you can choose to register with a Childminder Agency.

Childminder insurance premiums start from £59.50 per year (including Insurance Premium Tax at the prevailing rate and a Morton Michel fee of £1). You can also choose to pay in monthly instalments of £6.55 per month (including Insurance Premium Tax at the prevailing rate and a Morton Michel fee of £1).

The monthly interest rate is 10% (equivalent APR of 19.5%), payable over 10 monthly instalments. The total amount payable is £65.50 and cost of credit is £6.

The above premiums are based on a standard childminder policy. Extra covers are available at an additional cost. We use Premium Credit Limited, who are authorised and regulated by the Financial Conduct Authority, to provide finance exclusively and Morton Michel are acting as the credit broker. We may receive a commission for introducing customers to them.

As a childminder you can make your own arrangements with your customers regarding holiday pay. Morton Michel childminders can make use of ARAG's legal support helpline if you are concerned about what your customers' contractual obligations are.

Childminders should register with the relevant regulator for their country:

  • England: Ofsted or a Childminder Agency
  • Scotland: The Care Inspectorate
  • Wales: The Care Inspectorate (Wales)
  • Northern Ireland: Your local Health and Social Care Trust

More insurance for your childcare business

Additional insurances

Morton Michel can arrange the following insurance policies for you, at an additional cost:

Contact us
  • Minibus
  • Home
  • Motor
  • Babysitting
Thistle Insurance for personal and business insurance.

Insurance for the family

Morton Michel customers can also benefit from discounted insurance on the following leisure and lifestyle policies from our sister company, Thistle Insurance.